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VA Loan

因为退伍军人需要一个愉快的返乡仪式.

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Or call 1-800-561-9433

VA Loan Purchase Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 6.852% -0.375 $2,561.24 360
15-Year Fixed 6.625% 6.998% 0.000 $3,511.98 180

VA抵押贷款利率将于2024年6月25日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格和基本贷款金额$400的月付款,000, FICO®分数为780或更高, and 0% or more down payment; VA funding fee is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.

VA Loan Refinance Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 6.854% -0.375 $2,305.12 360
15-Year Fixed 6.750% 7.127% -0.125 $3,185.67 180

VA抵押贷款利率将于2024年6月25日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 90% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于财产价值$400的月付款,000, FICO®分数为780或更高, 10%或更多的股权, 基本贷款额是360美元,000; VA funding fee is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.

VA Loan

一句没有首付的谢谢.

KEY FEATURES

  • 美国退伍军人事务部(VA)支持的固定利率抵押贷款
  • No down payment
  • 不需要私人抵押贷款保险(PMI)
  • 可以用于购房或抵押吗 refinance
  • Apply in 15-20 minutes!

计算你的储蓄

可能是个不错的选择吧

  • 你是美国退伍军人、现役军人、预备役军人或未亡配偶
  • 你想利用没有首付的抵押贷款

与其他抵押贷款比较 

那么,退伍军人事务部贷款到底是什么?

妻子和退伍军人丈夫在新家拥抱

VA贷款提供给 qualified veterans, active service members and surviving spouses to use for purchasing a home. 你不需要付首付款或者 私人按揭保险(PMI) with a VA loan. 退伍军人管理局的贷款是由美国政府担保的.S. 退伍军人事务部(VA).

VA不发放贷款,但为有资格的人制定规则, 发布可提供抵押贷款的最低指引和要求, 并为符合该计划的贷款提供财务担保.

VA贷款只能作为固定利率贷款, 这意味着你的利率在贷款期限内不会变化.

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VA贷款与其他元素抵押贷款相比如何?

The VA Loan is specifically for military personnel and surviving spouses and is a fixed-rate loan. 请查看图表中的其他差异.

  VA Loan 固定利率抵押贷款 可调利率按揭 FHA Loan
Key Benefits

No down payment

没有按揭保险

可预测的支付

没有利率意外

最低短期利率

首次较低的月供

Low down payment

Government-backed

一个不错的选择,如果你

是否美国退伍军人、现役军人、预备役军人或尚存配偶

希望你的利率和付款在贷款期间保持不变

计划在你的房子里住几年

你对利率和付款一开始是固定的,然后再调整感到满意吗

不要计划在家里呆太久

没有足够的首付款

信用不够完美或信用记录有限

可用贷款条款

Purchase & Refinance:

15 and 30 years

Purchase & Refinance:

5年,7年,10年,15年,20年,30年

Purchase & Refinance:

5/5 ARM 30年期和7/6 ARM 30年期. 请致电了解其他ARM产品和条款的信息.

Purchase & Refinance:

15 and 30 years

利率低至

Purchase: 6.30年期固定利率为625%

Refinance: 6.30年期固定利率为625%

Purchase: 6.375%的15年期固定贷款

Refinance: 6.15年期固定利率为875%

Purchase: 7.625%为3/6 ARM 30年期

Refinance: 8.3/6 ARM 30年期125%

Purchase: 6.30年期固定利率250%

Refinance: 6.30年期固定利率250%

APR As Low As

Purchase: 6.30年期固定利率为852%1

Refinance: 6.30年期固定利率为854%2

Purchase: 6.15年期固定利率为440%3

Refinance: 6.941%为15年期固定贷款3

Purchase: 8.3/6 ARM 30年期210%4 

Refinance: 8.3/6 ARM 30年期贷款349%4 

Purchase: 7.30年期固定利率为008%5

Refinance: 7.30年期固定利率为008%6

No Points
无按揭保险(PMI)
Down Payment $0 低至购买价的5% 低至购买价的10% As low as 3.购买价的5%
Loan Limits
Special Feature 由美国担保.S. 退伍军人事务部(VA) 联邦住房管理局(FHA)

首付真的是0美元吗?

经验丰富的妈妈和宝宝拥抱

Yes!

当你用VA贷款购买房屋时,你不需要付首付款. 相反,贷款将全额支付购买价格.

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什么是私人抵押贷款保险(PMI)?

父子俩在玩电子游戏

私人按揭保险(PMI) is insurance lenders require most homeowners to take out when they make a down payment of less than 20% of the home's purchase price. This insurance cost is typically tacked onto your monthly mortgage payment and is required until 20% of the principal amount is reached.

使用Elements VA贷款,不需要PMI. 在贷款期间,您可以节省高达25,000美元的PMI成本!

计算你的储蓄

我应该期待什么费用和成交费用?

成交费用的具体金额会有所不同. 住房贷款通常涉及许多费用, 比如评估费, title charges, closing fees, 以及州税或地方税. 这些费用因州而异,也因贷款人而异. Your Elements Mortgage Loan Originator will review all costs with you based on your specific loan amount, purchase price, and home value.

Third Party Fees

Third party fees are ones that we collect and pass on to the person who actually performed the service. 这些费用可能包括评估费, 信用报告费, 结算费或结清费, the survey fee, tax service fees, 产权保险费用, 防洪认证费用, 还有快递/邮寄费用. For example, 鉴定人获得鉴定费, 信用报告费用由信用局支付, 产权公司或律师会支付产权保险费. 

税收和其他不可避免的成本

These fees include state/local taxes and recording fees and will most likely have to be paid regardless of the lender you choose. 如果一些贷款人不给你报价,其中包括税收和其他不可避免的费用, 不要以为你不用付钱. It is possible that a lender who doesn't tell you about the fee hasn't done the research necessary to provide accurate closing costs.

Lender Fees

贷款人的费用如积分, 文档准备费用, and loan-processing fees are retained by the lender and are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before making a decision. Elements对所有抵押贷款收取995美元的标准起始费.

欲了解更多信息,请致电我们 1-800-561-9433.

是否可以通过VA贷款进行再融资?

Yes! 当你为你的房子再融资时, 你实际上还清了你现有的抵押贷款,并用一个新的抵押贷款代替它. 你可能这样做是为了获得更低的利率或缩短抵押贷款期限. Perhaps your current financial situation would make it good for you to switch from a conventional mortgage to VA loan. 你可以了解更多 为抵押贷款再融资 with Elements.

我应该提前获得批准吗?

父母和孩子在笔记本电脑上工作

Call us at 1-800-561-9433 to see if you can be preapproved for a loan so that you know what price range you can afford, 评估贷款的每月成本, 看看你能负担多少贷款. 预先批准也会给你在和卖家谈判时提供一些筹码.

在抵押贷款申请过程中会发生什么?

Getting Started

You can apply online in 15-20 minutes! 随时提交申请. Or call us at 1-800-561-9433 电话申请. When you apply, 你的身份证(驾驶执照)准备好了吗, state ID, 或护照)和你的家庭收入估计, assets, 房屋价值和你为房屋支付的价格.

收集文档

We’ll contact you within one business day after you submit your application to review documentation that we'll need from you. 我们也会回答你的任何问题. 

应用程序检查 & Approval 

一旦你提供了你的文件,你的贷款将被保险人审查. 经保险公司审核后, your Elements Mortgage Loan Originator and Loan Processor will work together to obtain any further documentation that is needed to close your loan, 包括估价和职称ork. 

Closing

Once your loan has been approved, your closing will be scheduled at a location convenient for you. That's it — your VA贷款完成! 申请到结案平均需要30天. 

Get Started

我为什么要去Elements申请抵押贷款?

像银行一样,只是更好!

个人按揭指引

买房可能会让人有点不知所措. But don’t worry. 我们将与您的每一步的方式,指导您通过抵押贷款过程, 从预审到结案. 你会有你的个人抵押贷款专家的手机号码, 所以你可以很快得到你所有问题的答案. 

Better Rates. Fewer Fees.

因为我们是信用合作社, 我们以降低费用的形式将利润返还给会员, 更高的储蓄率, 更低的贷款利率.

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. 我们来您的工作场所回答问题,并可以为您提供 专门的抵押贷款发起人7 指导你完成整个抵押贷款流程.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally8. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

Get Started

How do I apply?

元素在线应用截图

3个简单的步骤应用

  1. Apply online - 只要你有15-20分钟的空闲时间,就在网上做这件事. Or call 1-800-561-9433 to get started.
  2. Take our call - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
  3. 〇安排收盘时间 我们将在整个抵押贷款过程中与您保持联系. 然后,如果你被批准了,我们会安排你在一个方便的地方结束交易

Apply Now Get Preapproved

我的按揭还款额如何计算?

你每月的按揭还款由四个部分组成:本金, interest, property taxes, 和房主保险(简称“PITI”). 

本息

本金和利息按贷款金额计算, interest rate, 以及贷款的分期偿还期限. 

Property Taxes

财产税每年评估一次. The amount of your taxes is divided by 12 months in order to determine how much will be collected from you as part of your monthly payment.

Insurance

房主保险也是按年支付的. 你的年保费金额也要除以12个月. 

私人按揭保险(PMI) can also be a component of your monthly mortgage payment. This is insurance that the lender obtains to protect them against any loss if you stop making payments on your loan. PMI is typically required on Conventional loans if you do not put at least 20% down on a purchase or have 20% or more equity in your property on a refinance.

没有PMI我能省多少钱?

PMI储蓄计算器

Results

Total savings over the life of your loan compared to a competitor mortgage with the same rate of 3.667% APY.

在生命周期内的潜在储蓄 Your Loan

PMI Cost Per Month Total Cost of PMI
3.667% APR $0 $0
3.667% APR $119 $11,126

计算器的设计有一定的限制,仅供说明之用. 潜在节省是根据截至2024年6月25日的Elements VA贷款利率估算的. Actual rates for competitor mortgages will vary but are depicted the same as Elements here to illustrate potential savings for PMI only.

  1. 1 VA抵押贷款利率将于2024年6月25日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格和基本贷款金额$400的月付款,000, FICO®分数为780或更高, and 0% or more down payment; VA funding fee is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.
  2. 2 VA抵押贷款利率将于2024年6月25日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 90% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于财产价值$400的月付款,000, FICO®分数为780或更高, 10%或更多的股权, 基本贷款额是360美元,000; VA funding fee is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.
  3. 3 固定费率自2024年6月25日起生效.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, 贷款金额为300美元,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制. Please call for rate information about mortgage products with terms other than those listed.
  4. 4 自2024年6月25日起生效的可调利率. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, 贷款金额为300美元,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电了解ARM产品的价格信息,并注明其他条款.
  5. 5 联邦住房管理局抵押贷款利率将于2024年6月25日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio, 还有其他因素, 而且可能比这里展示的要高. Rates, closing costs, 而且点数可能因房产位置而异, loan type, 以及借款人的信用和收入特征. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, and 3.首付款5%或以上, 贷款金额为386美元,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.
  6. 6 联邦住房管理局抵押贷款利率将于2024年6月25日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. Example Monthly Payments based on a property value of $400,000, FICO®分数为780或更高, and 3.5%或以上股本, 贷款金额为386美元,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.
  7. 7 全国抵押贷款许可制度注册人: 元素金融FCU 410639,肖恩·亚当斯 1969445, 查尔斯·阿金波拉1811812 芭芭拉·艾伦609733,里克·安德森 169934, Nick Bates 2030112, Lindsey Badanek 724103, 辛西娅·贝尔427359, Nyla Bivens 1128100, 杰米·邦纳435395, 劳拉·波登克彻1590841, 四月布拉顿1169913, 米莎·布鲁克斯, 道恩·米歇尔·布鲁斯899516,朱莉·鲍林443400,约翰·布格比581674, 梅丽莎·布洛克2122657, 特蕾西·巴克罗普609727, Karla Chevrie 404630, 伊丽莎·克劳伯恩1826115, 克里斯汀·克拉克609734,谢恩·克拉克2253719, Brooklynn Coop 2416469, Kaylee Cooper-Sweeting 2552218, 玛丽·安·迪卡德1259646, 阿什利M露539208, 柯蒂斯·尼尔·多德,200259, 小Ron E Ellis 1207645, 芭芭拉·菲489638, 卡拉米歇尔费舍尔1469113, Tami Renee Forsythe 609730, Lenore Gallagher 975065, Sherry Gaw 988244, 艾米丽·古德1776621, Jody Gray 2320767, 罗伯特·古德温975067,昆汀·格顿 1919653,考特尼·古斯1623852; 阿比盖尔·霍尔1469114; 玛丽亚·赫斯特1809685, 拨打Holliday 1436039, Jennifer Hooker 1807696, 特里萨·伊里亚1128103,克里斯·琼斯 1484986, 凯西·琼斯1942020, 克里斯托弗·科尔143199, Andee Kettlebar 443776, 吉尔·基德威尔609731, 布鲁克林金2311546, 米歇尔·金1759144,萨拉·基蒂1512646,肖恩·基利425511,布里特妮·克罗伊曼 2433042, 塔拉·妮可·兰伯特883082, 特雷莎·莱德福德444283, Cindy Leisure 1080329, 丽贝卡·利特尔996455, Tyler Lonergan 2066084, Blake Luker 2007589, 克里斯蒂·马尔斯609725,贝弗利·马歇尔444941,伊丽莎白·麦戈文 2313054, 亚历山大·梅涅斯特里纳1190426, Beth Moberg 473454, 贾斯汀·D·蒙图尔1198316,布鲁克·莫斯 1824059, 特丽·莫斯布鲁克1385461, 克里斯蒂娜·莫厄里916118, Amber D Murphy 1082684, 马洛里·尼尔1750269; 康斯坦斯·尼尔森975071,米夏·诺布尔 1950136, Grace Nolan 1840818, Regina Norman 1080327, Stacy Oswald 1380912, 克莱顿F帕特森 424532, Shaneka A Pedersen 426201, Meghan Pedigo 1601304, Shari Peek 1623439, 史蒂夫·佩里斯610700,珍妮·皮特里1529353,凯尔·托马斯·普拉姆利 1930758, Noah Pumphrey 2313162, Kim Purkhiser 1313210, Tania查询608383, 丽贝卡·赖斯1007612, 米兰达·格蕾丝·蕾妮·里佐1198315, Janai S Roberts 252636, 蒂姆·萨利1192774, 苏珊·罗伯茨975068, Darlene Rogers 2266067, Carol Biale-Schroeder 1863399, Ryan Sebree 1866273, Ron Senci 1068152, 杰西卡·西格曼-布拉德福德1454706, Brad Smith 906855, 艾米·林恩·斯托克斯1387213, 波莱特Stull 1487007, Ann Sukup 2511201, 布伦特·泰德福德1892880, 布拉德利·汤普森609732, 朗达·韦弗2213627, 萨曼莎·怀特1849420
  8. 8 基于截至2022年12月31日的资产规模.